COMMUNI

VERY
TY S&H, PRODUCTION UNLIK MORE
LIKEL
LEGAL LOSS & ELY
EMPLOYEE SAFETY & ON / OFF SITE ENVIRONMENTAL FIRE UNLIKE Y
IMPACT & FACILITY / 10-3 to LIKELY
HEALTH EFFECT LY 10-2 to
MEDIA EQUIP 10-4 / >10-2 /
<10-4 / 10-3 /
PUBLICIT DAMAGE YR YR
YR YR
Y
First Aid Case (FAC) Community Chemical spill / Waste discharge within statutory Minor fire attended to by site Loss of production < 1
concern and limits. Largely contained within. No off-site fire brigade or onsite hr. Equipment
complaint impact, responders, Loss of damage with loss up 1 2 3 4 5
raised with unit production < 1 hr. to 3.75 lacs INR
management
MTC or Health effects requiring Community Chemical spill / Waste discharge / Gas release. Minor Fire/explosion Loss of production < 4
medical treatment at a hospital concern and Volume 1-10 m3 or equivalent vol. of gas. Extinguished by onsite hrs shutdown,
or by an offsite medical few local media Marginally more than statutory limits or brigade or responders. equipment damage,
Practitioner publicity prescribed internal standards with contamination Activation of sprinklers or fire Loss of > 3.75 lacs but 2 4 6 8
or damage sufficiently large to attack
environment but reversible environmental impact,
suppression systems. Loss
of production < 4 hrs.
< 11,25 lacs INR 10
requiring minor remediation
RWC or health effects Community Chemical spill / Waste discharge / Gas release. Fire or explosion Response Loss of production <
including temporary partial concern and Volume 10-100 m3 or equivalent vol. of gas. required from local fire 24 hrs. shutdown
disability / occupational illness, Prominent Clear breach of statutory limits or prescribed service. Activation of and/or financial loss,
affecting work performance in Local media internal standards. Moderate but reversible sprinklers or fire suppression equipment / facility
3 6 9 12
the short to medium term. The publicity.
injured is able to work but needs
environment impact with short term effect &
requiring moderate remediation Environ-mental
systems. Loss of production
< 24 hrs. and/or damages <
damage, Loss of
11.25 to 37.5 lacs
15
a different role than normal for a liability due to past activities such as poor waste 37.5 lacs INR
temporary period disposal
LTA / Multiple RWC from an Community Extended breach of statutory limits or prescribed Fire or explosion with Loss of production /
accident or occupational illness complaint and internal standards (Volume 100-1000 m3 or Significant damage to business interruption
with irreversible health damage Regional to equivalent vol. of gas emission/ discharge of equipment and/or buildings. > 24 hrs shutdown,
National media waste) leading to Severe environmental damage. Response required from local Facility damage to
publicity The company is required to take extensive fire service. Loss of tune of 37.5 lacs to
4 8 12 16 20
Major

measures to restore contaminated environment production / business 3.75 Cr.

to its original state. and financial loss applicable interruption > 24 hrs. and/or
for this category damage to tune of 37.5 lacs
to 3.75 Cr .

1 Fatality or more or Total Major Spillage or Release Chemical / hazardous waste Fire or explosion Response > 3 days’ shutdown
Permanent Disability case Community of volume more than 1000 m3 or equivalent required from outside with business
complaint & volume of gas emission leading to contamination agencies; possible offsite interruption,
Major national & severe environmental damage or severe consequences. Significant Catastrophic Facility
Catastrophic

and nuisance extending over a large area. In terms of production interruption with damage > 3.75 Cr. 5 8 15 16 25
International commercial or recreational use or nature business interruption >3 days INR, off-site
media conservancy, a environment liability & major and/or damages > 3.75 Cr. emergency
publicity / economic / financial loss applicable for this INR
coverage category.